| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | 3.25% | 3.362 | 702.67 | $350 + Out of Pocket |
| 30 Year Fixed Rate | 4.00% | 4.074 | $477.42 | $350 + Out of Pocket |
| Rates effective: 2/5/2012 Interest rates subject to change at any time without notice. |
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | Call for Current Rates | |||
| 30 Year Fixed Rate | Call for Current Rates |
| Rates effective: 2/5/2012 Interest rates subject to change at any time without notice. |
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 1 Year ARM | 3.000% | 3.174% | $421.61 | $350 + Out of Pocket |
| 3/1 Year ARM | 3.250% | 3.215% | $435.21 | $350 + Out of Pocket |
| 5/1 Year ARM | 3.500% | 3.219% | $449.05 | $350 + Out of Pocket |
| Rates effective: 2/5/2012 Interest rates subject to change at any time without notice. |